VA loan
1 of 40
VA loan
$465,000 SIGNIN

Sign in to see required down payment for the 2.625% rate

8092 Gato Ln, Round Rock, TX 78665

4 beds · 3 baths · 2,828 sqft

Concierge

Get a free consultation call with an expert in the mortgage assumption process.

Must-See Home in Siena – An Incredible Opportunity! This home is priced to sell and even comes with an assumable 2.25% loan—a rare opportunity that makes this home an absolute must-see. Don’t wait—homes like this don’t last! This spacious 4-bedroom, 3-bathroom home sits on an expansive corner lot, offering beautiful curb appeal and a lush, sun-soaked backyard perfect for outdoor entertaining or peaceful evenings under the Texas sky. Step inside to find hardwood floors, elegant wainscoting in the grand entryway and an inviting layout. Toward the front of the home, two secondary bedrooms share a full bathroom, providing a private retreat for family or guests. Further down the hall, the primary suite awaits—a serene haven featuring dual vanities, a garden tub, a separate walk-in shower, and a spacious walk-in closet. The formal dining room and open-concept living area are thoughtfully set apart from the primary suite, ensuring extra peace and quiet. Natural light pours into the living room, dining areas, and kitchen, creating a bright and welcoming atmosphere. In the gourmet kitchen, you'll love the double in-wall oven, gas stove, granite countertops, and a charming window over the sink—a perfect spot to enjoy your morning coffee. Upstairs, a large flex space offers endless possibilities—use it as a media room, game room, or second living area. Tucked away for ultimate privacy, a fourth bedroom with a full bath makes the ideal guest suite or retreat for an older child or in-laws. Beyond the home, Siena offers an active lifestyle with a lap pool, playground, soccer field, parks, and scenic trails just 0.4 miles away. This location is hard to beat! Enjoy nearby attractions like Kalahari Resort & Dell Diamond (4 miles), Old Settlers Park (2.5 miles), Round Rock Premium Outlets (15 minutes), and Downtown Round Rock (15 minutes)—putting shopping, dining, and entertainment right at your fingertips. Schedule your tour today before this gem is gone!

Estimated
Seller's interest rate
2.625%
7%
Estimated
Monthly payment

$1,686
$2,342
You may also save up to $203,935 in total interest paid.

Learn about how it works

Why Roam


Gap financing to lower your down payment

Unlock down payments as low as 5% – only with Roam

5x the likelihood your offer is accepted

If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close

Close faster and stress-free

We close 2x faster because of our deep experience and lender relationships

Rates and payments are estimates based on public records.


Open house
May 3 • 12PM - 2PM
Financials
Seller’s estimated current equity is SIGNIN
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with gap financing.
Estimated $2,342 monthly payment

Financed
SIGNIN
Location
Use two fingers to move the map
Loan details
Loan type
VA
Rate
2.625%
Remaining term
25 yrs and 11 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$1,686
Principal & interest
$1,144
Mortgage insurance
-
Property taxes
$117
Home insurance
$399
HOA fees
$25
Utilities
Not included

Source: Public records

Home details
Size
2,828 sqft
Lot size
0.2315 acres
Year built
2017
Type
Single Family Residence
HOA dues
$25.00

Source: ACTRIS #9256267

Qualify

To qualify, you must meet the current FHA or VA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50%. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.

FHA (Federal Housing Administration) loans

FHA loans require the buyer to assume the mortgage as a primary residence.

VA (Veteran's Affairs) loans

You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.

Investors

You may be able to assume a VA mortgage as an investor without it being your primary residence.

Resources
Frequently asked questions

Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.

An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.

When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.

Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.

Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.

To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 620, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.

View all FAQs
Last updated: Apr 30, 2025 11:07 pm
Listing agent: Michelle Brunson
Listing provided courtesy of: Spyglass Realty (512) 759-0889
Details provided by ACTRIS and may not match the public record.
MLS ID: #9256267
Based on information submitted to the MLS GRID as of Apr 30 2025 - 23:39. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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$1,686
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